Page 30 - Proof-1058-333441-11102020105143.PDF

POLICY SPECIFICATIONS
Allstate Benefits is the marketing
name used by American Heritage
Life Insurance Company, a subsidiary
of The Allstate Corporation. ©2020
Allstate Insurance Company.
www.allstate.com or
allstatebenefits.com
Eligibility
^Coverage may include you, your spouse and children.
Termination of Coverage
^Coverage under the policy ends on the date the policy is canceled; the last day premium payments were
made; the last day of active employment, except as provided under the Temporary Layoff, Leave of
Absence or Family Medical leave of Absence provision; or the date you or your class is no longer eligible.
Spouse coverage ends upon valid decree of divorce or your death. Coverage for children ends when the
child reaches age 26, unless he or she continues to meet the requirements of an eligible dependent.
LIMITATIONS AND EXCLUSIONS
Pre-Existing Condition Limitation
^We do not pay benefits due to a pre-existing condition if the loss occurs during the first 12 months of
coverage. A pre-existing condition is a disease or physical condition for which symptoms existed within
the 12-month period prior to the effective date, or medical advice or treatment was recommended or
received from a member of the medical profession within a 12-month period prior to the effective date.
A pre-existing condition can exist even though a diagnosis has not yet been made.
Limitations and Exclusions
^Benefits are not paid for: injury or sickness occurring before the effective date; any act of war or
participation in a riot, insurrection or rebellion; suicide or attempted suicide; injury sustained while under
the influence of alcohol or narcotics, unless taken on the advice of a physician; participation in
aeronautics unless a fare-paying passenger on a licensed common-carrier aircraft; committing or
attempting an assault or felony; cosmetic dental or plastic surgery, except when required to correct a
disorder; alcoholism, drug addiction, or dependence upon any controlled substance; mental or nervous
disorders; self-inflicted injuries; newborn child’s nursing or routine well-baby care during initial hospital
confinement; childbirth within the first 10 months of the effective date (complications of pregnancy are
covered the same as sickness); hospitalization beginning before the effective date; reversal of tubal
ligation or vasectomy; artificial insemination, in vitro fertilization, and test tube fertilization (including
testing, medications and doctor services), unless required by law; routine eye exams or fittings; hearing
aids or fittings; dental exams and care unless from an accident; or driving in any organized or scheduled
race or speed test or testing any vehicle on any racetrack or speedway.
Hospital Intensive Care Benefit Exclusions
^We do not pay any benefits under the hospital intensive care unit benefit for confinement in any care
unit that does not qualify as a hospital intensive care unit. Progressive care, sub-acute intensive care,
intermediate care or step-down units, private rooms with monitoring or any other lesser care treatment
units do not qualify.
This brochure is for use in FL and is incomplete without the accompanying rate insert.
This material is valid as long as information remains current, but in no event later than October 27, 2023.
Group Supplemental Health benefits provided by policy form GVSP1, or state variations thereof.
Coverage is provided by Limited Benefit Supplemental Health Insurance. The policy is not a Medicare Supplement
Policy. If eligible for Medicare, review Medicare Supplement Buyer’s Guide available from Allstate Benefits. This
information highlights some features of the policy but is not the insurance contract. For complete details, contact your
Allstate Benefits Agent. This is a brief overview of the benefits available under the Group Voluntary Policy underwritten
by American Heritage Life Insurance Company (Home Office, Jacksonville, FL). Details of the insurance, including
exclusions, restrictions and other provisions, are included in the certificates issued.
The coverage does not constitute comprehensive health insurance coverage (often referred to as “major medical
coverage”) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.